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And managing a financial account is an important life skill that they probably won’t learn in school or from anyone except you. There are at least three basic options to choose from, depending on whether you’re most concerned with your child establishing a credit history or are simply determined to keep anything out of their hands that could get them on a plane to Las Vegas.
Many parents see only risk in credit cards and not the potential upside of establishing a credit history at age 18.
So they teach their children how to set up a checking account with a debit card that draws on it (or insist they use cash and only cash). These students start college knowing they’re only supposed to spend what they have in the account.
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